When the damage is to someone else's property, who pays?
Liability cover pays for damage you, your child or your dog cause to others. But it often already sits inside your home policy — and you buy it again without knowing.
Free for 3 policies. No card. Delete everything whenever you want.
Three everyday moments that turn into a bill.
None of them is rare and none announces itself. See whether your policy answers each one — with its limits and exclusions.
The bathtub flooded the flat below
As a tenant or owner, the damage to your neighbor's flat is your obligation. Family liability cover takes it on.
Your dog bit a passerby
Medical costs and a compensation claim land on the animal's owner. Check whether your policy covers pets — not all of them do.
Your child broke a glass pane with their bike
Parents are liable for their minor children's actions. Family liability cover exists for exactly these moments.
Before you buy it, see if you already own it.
Many home policies include liability as a bundled cover — bought together with the fire section and forgotten since day one. When you upload your policies, the analysis reads every cover separately and, on the Family plan, shows where the same protection appears twice.
And if it's missing, you see that too: the gap appears next to everything else, with the limits that apply today.
Liability check
Example check
Home policy · Section D
Family liability included
Possible duplicate cover
A separate liability policy overlaps Section D
What most people ask.
What does personal liability insurance cover?
Damage that you, your child or your pet cause to others — from a flood in the flat next door to a broken pane of glass.
Do I need a separate liability policy?
Not always. Many home policies already include it as a bundled cover — check before you buy it a second time.
How does PolicyWallet help with liability cover?
We read every cover separately and show you where liability appears — and, on the Family plan, whether you are paying for it twice. We do not sell insurance and take no commission.
Browse the rest of the insurance categories.
The same analysis applies to every policy you have.
Motor
What the policy would pay — and roadside assistance gaps.
See the payout your policy provides and — with Family — what is missing from your roadside assistance.
Property
Rebuild cost and the ENFIA tax discount, at a glance.
With Family, see whether your home is insured for less than it would cost to rebuild.
Health
What you pay out of pocket and where the hospital bills the insurer directly.
Know how much you will pay before you walk into a hospital, not after the bill arrives.
Cyber
Cover for ransomware and for your work coming to a stop.
See what your policy provides for the moment of an attack — no digging through old documents.
Liability
Third-party damage — with a double-coverage check.
Liability cover often already sits inside your home policy. With Family, see if you are paying for it twice.
Legal Expenses
Lawyers and courts: what your policy pays for.
Traffic, employment and consumer disputes. See which cases are covered and which are excluded.
Group Health
Coordinate corporate benefits with personal coverage.
With Family, you stop double-paying for overlapping benefits. Map the blind spots between your employer plan and personal policy.
Group Life
Life and disability capital for every employee.
The benefit that completes the package next to group health and pension. See who is covered and for how much.
Group Pension
Contributions, employer match and tax deductions, made clear.
Know what happens when you leave, how much you have built up, and what tax deductions you are entitled to.
Life
Cover amount, serious illness and mortgage protection.
See whether your life policy's capital actually covers your family and your outstanding mortgage.
Travel
Emergency medical abroad, trip cancellation and Schengen limits.
Know what your travel policy covers — and whether limits meet visa requirements — before you fly, not at a foreign hospital.
Pension & Savings
Contributions, maturity and surrender terms without fine print.
Understand what you signed: lump sum or annuity, guaranteed component, and what an early surrender costs you.
Boat
Mandatory liability plus hull & machinery coverage.
Liability cover is mandatory in Greek waters. See what else your policy includes before you cast off.
Fine Art & Valuables
Each piece at its own value — and the conditions that keep it in force.
We read the schedule of items, the agreed values and the security conditions — like the alarm your policy takes for granted.
Business
Premises, equipment, interruption and liabilities in one view.
A business multi-risk policy has many sections. See which ones you hold and which are missing, at a glance.
Pet
Is leishmaniasis covered? And which conditions are excluded?
Know exactly what's covered and what isn't before the vet hands you the bill.
One cover is enough. Two is a waste.
Check what you already haveFree for 3 policies. Upgrade whenever you need it.
Plus at €4.99/month, Family at €8.99/month with full AI analysis. Cancel anytime.
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